Заочное решение

26 сентября 2011 года                                                                    аул Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской Республики

в составе:

председательствующего судьи Туаршева Я.А.,

с участием представителя истца - ОАО «Россельхозбанк», в лице ДО Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар Харзиновой А.М., предъявившей доверенность __№__ от ДД.ММ.ГГГГ,

при секретаре Агировой Б.А.,

рассмотрев в открытом судебном заседании гражданское дело по исковому заявлению ОАО «Россельхозбанк», в лице Дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар к Баисовой Л.К., Акбашеву М.М., Баисову А.Х. и Калмыченко Е.В. о взыскании задолженности по кредитному договору __№__ от ДД.ММ.ГГГГ

установил:

ОАО «Россельхозбанк» в лице Дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар обратилось в Адыге-Хабльский районный суд Карачаево-Черкесской Республики с исковым заявлением к Баисовой Л.К. Акбашеву М.М., Баисову А.Х. и Калмыченко Е.В. о взыскании задолженности по кредитному договору. Свои требования обосновало тем, что ДД.ММ.ГГГГ между ОАО «Россельхозбанк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль (далее - кредитор) и гражданином Баисовой Л.К. (далее - заемщик) был заключен кредитный договор __№__.

В силу кредитного договора заемщик принял на себя обязательство возвратить ОАО «Россельхозбанк» в лице Карачаево-Черкесскому региональному филиалу ОАО «Россельхозбанк» денежные средства полученные в кредит в размере <данные изъяты>) рублей, а также уплатить начисленные за пользование кредитом проценты из расчета 17 % годовых (п.п. 1.2., 1.3. кредитного договора).

Срок возврата кредита установлен пунктом 1.5. кредитного договора - ДД.ММ.ГГГГ.

Согласно п.3.1. кредитного договора выдача кредита производится перечислением средств на текущий счет заемщика. Конкретной датой выдачи кредита является дата возникновения задолженности на ссудном счете заемщика (п.3.3 кредитного договора).

Кредитор выполнил свои обязательства, предоставив кредит заемщику, что подтверждается мемориальным ордером __№__ от ДД.ММ.ГГГГ и соответствующей выпиской из лицевого счета за ДД.ММ.ГГГГ.

Согласно п.4.1. кредитного договора проценты за пользование кредитом начисляются по формуле простых процентов на остаток задолженности по кредиту, отражаемый на ссудном счете заемщика на начато операционного дня в соответствии с расчетной базой, в которой количество дней в году и количество дней в месяце - количество фактических дней.

В соответствии со ст.ст. 309, 310 ГК РФ обязательства должны исполняться в соответствии с условиями договора и требованиями закона. Одностороннее изменение обязательств или отказ от них не допустим, если иное не установлено законом или не вытекает из условий договора.

График погашения кредита установлен Приложением 1 к кредитному договору и является его неотъемлемой частью (п.4.2.1). По состоянию на ДД.ММ.ГГГГ должник не погасил часть основного долга в размере ДД.ММ.ГГГГ что подтверждается выпиской по лицевому счету должника за ДД.ММ.ГГГГ, в связи с чем у ней образовалась текущая задолженность.

Письмом должнику сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения, а задолженность не погашена. Таким образом, кредитором был соблюден досудебный порядок урегулирования спора.

В связи с неисполнением обязательств по кредитному договору кредитор считает правомерным потребовать от ответчиков уплаты задолженности по состоянию на ДД.ММ.ГГГГ и просит взыскать с Баисовой Л.К., Акбашева М.М., Баисова А.Х. и Калмыченко Е.В. в пользу ОАО «Россельхозбанк» Дополнительный офис Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар солидарно <данные изъяты> в том числе: просроченная часть основного долга - <данные изъяты>, проценты за пользование кредитом - <данные изъяты>, а так же взыскать с ответчиков солидарно в пользу ОАО «Россельхозбанк» Дополнительный офис Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар расходы по оплате государственной пошлины в размере <данные изъяты>. Кроме того истец просит суд обязать Баисову Л.К. производить погашение кредита в соответствии с графиком погашения кредита, установленного Приложением 1 к Кредитному договору.

В судебном заседании Харзинова А.М., поддержала требования изложенные в исковом заявлении и просила суд взыскать с Баисовой Л.К. Акбашева М.М., Баисова А.Х. и Калмыченко Е.В. в пользу ОАО «Россельхозбанк» Дополнительный офис Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар солидарно <данные изъяты> в том числе: просроченная часть основного долга - <данные изъяты>, проценты за пользование кредитом - <данные изъяты>, взыскать с ответчиков солидарно в пользу ОАО «Россельхозбанк» Дополнительный офис Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар расходы по оплате государственной пошлины в размере <данные изъяты>, а так же обязать Баисову Л.К. производить погашение кредита в соответствии с графиком погашения кредита, установленного Приложением 1 к Кредитному договору.

         Ответчики Баисова Л.К., Акбашев М.М., Баисов А.Х. и Калмыченко Е.В. в судебное заседание не явились, хотя были надлежащим образом извещены о времени и месте рассмотрения дела, о чем свидетельствует поступившие уведомления о вручении извещения. О причинах неявки суд не уведомили, доказательств уважительности неявки не представили, об отложении судебного разбирательства не просили. Таким образом, на момент рассмотрения дела у суда при условии надлежащего уведомления, не имеется сведений об уважительности причин неявки ответчиков, что в силу ст.233 ГПК РФ предоставляет право суду рассмотреть данное гражданское дело в порядке заочного производства. При этом, представитель истца Харзинова А.М. не возражала против рассмотрения дела в отсутствие ответчиков. В связи, с чем суд определил рассмотреть дело в соответствии с главой 22 ГПК РФ в порядке заочного производства.

         Выслушав представителя истца, изучив материалы дела, суд считает иск подлежащим удовлетворению по следующим основаниям:

В соответствии с пунктом 1 статьи 819 ГК РФ по кредитному договору банк или иная кредитная организация (кредитор) обязуются предоставить денежные средства (кредит) заемщику в размере и на условиях, предусмотренных договором, а заемщик обязуется возвратить полученную денежную сумму и уплатить проценты на нее.

Как установлено в судебном заседании, ДД.ММ.ГГГГ между ОАО «Россельхозбанк» в лице дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в ауле Адыге-Хабль и гражданкой Баисовой Л.К. был заключен кредитный договор __№__, что подтверждается кроме самого кредитного договора, следующими документами:

Договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в ауле Адыге-Хабль) (кредитор) и Акбашевым М.М. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Баисовой Л.К. своих обязательств по кредитному договору __№__;

Договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в ауле Адыге-Хабль) (кредитор) и Баисовым А.Х. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Баисовой Л.К. своих обязательств по кредитному договору __№__;

Договором поручительства физического лица __№__ от ДД.ММ.ГГГГ, заключенного между ОАО «Россельхозбанк» (представительство в ауле Адыге-Хабль) (кредитор) и Калмыченко Е.В. (поручитель), согласно которому, поручитель обязуется отвечать в полном объеме перед кредитором за исполнение Баисовой Л.К. своих обязательств по кредитному договору __№__;

Мемориальным ордером __№__ от ДД.ММ.ГГГГ, согласно которому на лицевой счет __№__ Баисовой Л.К. переведено по кредитному договору __№__ от ДД.ММ.ГГГГ под 17% годовых для приобретения с/х животных <данные изъяты> рублей.                                                                                       Сделка по заключению между сторонами кредитного договора в соответствии с пунктом 1 статьи 154 ГК РФ является двухсторонней.

В соответствии с пунктом 1 ст.160 ГК РФ двухсторонняя сделка может совершаться способами, установленными пунктами 2 и 3 статьи 434 ГК РФ.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             

В соответствии с пунктами 2 и 3 статьи 434 ГК РФ договор в письменной форме может быть заключен путем составления одного документа, подписанного сторонами, а также путем обмена документами посредством почтовой, телеграфной, телетайпной, телефонной, электронной или иной связи, позволяющей достоверно установить, что документ исходит от стороны по договору. Письменная форма договора считается соблюденной, если письменное предложение заключить договор принято в порядке, предусмотренном пунктом 3 статьи 438 настоящего Кодекса.

В соответствии с вышеуказанным кредитным договором и договором поручительства, ответчики Баисова Л.К., Акбашев М.М., Баисов А.Х. и Калмыченко Е.В. подписав указанные документы ДД.ММ.ГГГГ, согласились с тем, что приняли на себя обязательство возвратить ОАО «Россельхозбанк» денежные средства, полученные в кредит в размере <данные изъяты> рублей, а также уплатить начисленные за пользование кредитом проценты из расчета 17% годовых (п.п.1.2., 1.3. кредитного договора). В соответствии с п.4.2.1 кредитного договора ответчик (Баисова Л.К.) обязалась осуществлять погашение кредита (основного долга) равными долями одновременно с уплатой процентов за пользование кредитом в соответствии с графиком погашения кредита (основного долга). Однако свои обязательства ответчиком не были исполнены в срок, часть основного долга и проценты не погашены, что подтверждается выписками по лицевому счету за ДД.ММ.ГГГГ. В нарушение условий кредитного договора, платежи в счет погашения задолженности производились ответчиком несвоевременно и не в полном объеме с нарушением сроков, установленных в договоре. В результате чего по состоянию на ДД.ММ.ГГГГ у Баисовой Л.К. образовалась задолженность в сумме <данные изъяты>. Письмом ответчику сообщено о необходимости погашения задолженности по обязательству. Указанная претензия оставлена без ответа и исполнения, а задолженность не погашена. Таким образом, ОАО «Россельхозбанк» был соблюден досудебный порядок урегулирования спора.

В силу пункта 2 статьи 807 ГК РФ договор займа, в данном случае кредитный договор, считается заключенным с момента передачи денег или других вещей и данный факт сторонами подтвержден.

Согласно пункту 1 ст. 810 ГК РФ заемщик обязан возвратить займодавцу полученную сумму займа в срок и порядке, которые предусмотрены договором займа. В силу статьи 309 ГК РФ обязательства должны исполняться надлежащим образом в соответствии с условиями обязательства и требованиями закона, иных правовых актов, а при отсутствии таких условий и требований - в соответствии с обычаями делового оборота или иными обычно предъявляемыми требованиями. При этом, в соответствии со ст.314 ГК РФ, если обязательство предусматривает или позволяет определить день его исполнения или период времени, в течение которого оно должно быть исполнено, обязательство подлежит исполнению в этот день или, соответственно в любой момент в пределах такого периода.

Однако, ответчик Баисова Л.К. свое обязательство по погашению кредита не выполнила. В силу требований статьи 310 ГК РФ односторонний отказ от исполнения обязательств не допускается.

В соответствии со ст.361 Гражданского кодекса РФ, по договору поручительства поручитель обязывается перед кредитором другого лица отвечать за исполнение последним его обязательств полностью или в части.

В соответствии с ч.2 ст.363 Гражданского процессуального кодекса РФ, поручитель отвечает перед кредитором в том же объеме, как и должник, в том числе возмещает судебные издержки по взысканию долга и других убытков кредитора, вызванных неисполнением или ненадлежащим исполнением обязательства должником, что также предусмотрено п.п.2.1, 2.2 договоров поручительства: __№__ от ДД.ММ.ГГГГ, __№__ от ДД.ММ.ГГГГ, __№__ от ДД.ММ.ГГГГ.

Таким образом, совокупность исследованных в судебном заседании доказательств также подтверждают обоснованность заявленных истцом требований. В связи с этим, суд считает возможным взыскать с Баисовой Л.К., Акбашева М.М., Баисова А.Х. и Калмыченко Е.В. в пользу ОАО «Россельхозбанк» Дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар солидарно <данные изъяты> копеек, в том числе: просроченная часть основного долга - <данные изъяты>, проценты за пользование кредитом - <данные изъяты>.

В части взыскания с ответчиков в пользу Открытого Акционерного Общества «Росселхозбанк» солидарно расходов по уплате государственной пошлины в размере <данные изъяты>, оплаченных при подаче искового заявления, суд считает обоснованными, поскольку в соответствии со ст.98 ГПК РФ стороне, в пользу которой состоялось решение суда, суд присуждает возместить с другой стороны все понесенные по делу судебные расходы, за исключением случаев, предусмотренных частью второй статьи 96 настоящего Кодекса.

На основании изложенного, руководствуясь ст. ст. 98, 194-199, 233-235, 237 ГПК РФ, 807,809,810,819 ГК РФ, суд

решил:

Исковые требования Открытого Акционерного Общества «Российский Сельскохозяйственный банк» Дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар к Баисовой Л.К., Акбашеву М.М., Баисову А.Х. и Калмыченко Е.В. о взыскании задолженности по кредитному договору __№__ от ДД.ММ.ГГГГ удовлетворить.

Взыскать с Баисовой Л.К., ДД.ММ.ГГГГ года рождения, уроженки <адрес> зарегистрированной по адресу: <адрес> Акбашева М.М., ДД.ММ.ГГГГ года рождения, уроженца аула <адрес> зарегистрированного по адресу: <адрес>, Баисова А.Х., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированной по адресу: <адрес>, и Калмыченко Е.В. ДД.ММ.ГГГГ года рождения, уроженки <адрес>, зарегистрированной по адресу: <адрес> в пользу Открытого Акционерного Общества «Российский Сельскохозяйственный банк» Дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар солидарно задолженность по кредитному договору __№__ от ДД.ММ.ГГГГ в размере <данные изъяты>, в том числе: <данные изъяты> - просроченная часть основного долга, <данные изъяты> - проценты за пользование кредитом.

Взыскать с Баисовой Л.К., ДД.ММ.ГГГГ года рождения, уроженки <адрес> зарегистрированной по адресу: <адрес>, Акбашева М.М., ДД.ММ.ГГГГ года рождения, уроженца <адрес> зарегистрированного по адресу: <адрес>, Баисова А.Х., ДД.ММ.ГГГГ года рождения, уроженца <адрес>, зарегистрированной по адресу: <адрес>, и Калмыченко Е.В., ДД.ММ.ГГГГ года рождения, уроженки <адрес>, зарегистрированной по адресу: <адрес> в пользу Открытого Акционерного Общества «Российский Сельскохозяйственный банк» Дополнительного офиса Карачаево-Черкесского регионального филиала ОАО «Россельхозбанк» в поселке Эркен-Шахар в счет возмещения судебных расходов по оплате государственной пошлины солидарно сумму в размере <данные изъяты>

Обязать Баисову Л.К. производить погашение кредита в соответствии с графиком погашения кредита, установленного приложением 1 к кредитному договору __№__ от ДД.ММ.ГГГГ.

Ответчики вправе подать в Адыге-Хабльский районный суд заявление об отмене настоящего решения в течение семи дней со дня получения копии этого решения.

Решение может быть обжаловано сторонами в кассационном порядке в Судебную коллегию по гражданским делам Верховного Суда КЧР через Адыге-Хабльский районный суд в течение десяти дней по истечении срока подачи ответчиком заявления об отмене настоящего решения, а в случае, если такое заявление ответчиком будет подано, в течение десяти дней, со дня вынесения определения суда об отказе в удовлетворении этого заявления.

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